Civic Intelligence

Woodlands Credit Union

EIN 02-0239894

View Organization Page

730 Main Street03570
Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on the latest valid filing.

Source year 2012

Liabilities / Revenue

25th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

$5M-$10M nonprofits • Source year 2012

Net Margin

18th percentile

-15%

Higher net margin than 18% of similar nonprofits.

$5M-$10M nonprofits • Source year 2012

Top Officer Pay

Score unavailable

No value available

No filing with officer or executive compensation is available for this organization yet.

Asset Growth

2nd percentile

-100%

Faster asset growth than 2% of similar nonprofits.

$5M-$10M nonprofits • Annualized from 2011 to 2012

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2012

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$0

Down $106,810,764 (-100%) from 2011

Liabilities

Down

$0

Down $83,971,769 (-100%) from 2011

Net Assets

Down

$0

Down $22,838,995 (-100%) from 2011

Operations
Liabilities / Revenue25th percentileNet Margin18th percentile

Revenue

$5,350,351

No earlier filing loaded for comparison.

Expenses

Up

$6,130,101

Up $595,127 (+11%) from 2011

Net Income

-$779,750

No earlier filing loaded for comparison.

Trend Graphs

Balance Sheet Trend

Asset Growth2nd percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$150M$100M$50M$0Assets 2010: $88,212,585Liabilities 2010: $66,051,415Net Assets 2010: $22,161,1702010Assets 2011: $106,810,764Liabilities 2011: $83,971,769Net Assets 2011: $22,838,9952011Assets 2012: $0Liabilities 2012: $0Net Assets 2012: $02012

Highlighted filing

2012

Assets$0
Liabilities$0
Net Assets$0
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income by year, with the latest filing highlighted.

$8.0M$6.0M$4.0M$2.0M$0-$2.0MExpenses 2010: $5,122,9622010Expenses 2011: $5,534,9742011Revenue 2012: $5,350,351Expenses 2012: $6,130,101Net Income 2012: -$779,7502012

Highlighted filing

2012

Revenue$5,350,351
Expenses$6,130,101
Net Income-$779,750
Open 2012 Filing

Filings

Most recent year

2012 • Form 990Summary only. Only limited summary data is available for this year.

Open filing
Assets
$0
Liabilities
$0
Net assets
$0
Revenue
$5,350,351
Expenses
$6,130,101
Net income
-$779,750
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2012Summary only. Only limited summary data is available for this year.$0.00$0.00$0.00$5.35$6.13$0.78
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$107$84.0$22.8$5.53
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$88.2$66.1$22.2$5.12
Latest Detailed Filing

The latest 2012 filing currently has summary financial data only. Showing the latest detailed filing from 2011 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2011 to Dec 31, 2011
Signed
Nov 9, 2012
Return Version
2011v1.2
Gross Receipts
$6,078,321
Mission and Program Overview

Major Activities

Activity 2
Student loans, net origination fees, certificates of deposit, and other loans have an outstanding balance of $16,841,524.
Activity 3
11 scholarships for higher education are awarded annually to high school students who are members of the credit union and meet specific criteria.
Filing and Contact Details

Filer

EIN
02-0239894
Raw XML AppendixShowing 400 of 450 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/Activity2/Description0Student loans, net origination fees, certificates of deposit, and other loans have an outstanding balance of $16,841,524.
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IRS990/Description0Woodlands is a member-owned organization committed to providing superior financial services to the community. At 12/31/11 there were 16,343 depositors and 4,224 borrowers. Woodlands has provided approximately 6,015 installment, real estate, and credit card loans to members. The outstanding balance for these loans at 12/31/11 was $62,886,952.
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IRS990ScheduleO/GeneralExplanation/Explanation0Effective July 1, 2011, Upper Valley Community Credit Union was merged with Woodlands Credit Union. This merger expands the Credit Union's geographical area to include Lebanon, New Hampshire and the surrounding businesses and communities.
IRS990ScheduleO/GeneralExplanation/Explanation1Membership at Woodlands Credit Union is open to anyone living, working or attending school in Coos, Grafton, Carroll or Belknap Counties of NH, or within a 30 mile radius of any Woodlands Credit Union.
IRS990ScheduleO/GeneralExplanation/Explanation2Members are responsible for electing the members of the Organization's governing body.
IRS990ScheduleO/GeneralExplanation/Explanation3Except in the case of a merger, decisions of the governing body are not subject to approval of the credit union members.
IRS990ScheduleO/GeneralExplanation/Explanation4The full governing board reviews the return before it is filed.
IRS990ScheduleO/GeneralExplanation/Explanation5The Organization's policy is reviewed with a required acknowledgement (written signature), by all staff, volunteers and members of the governing body annually.
IRS990ScheduleO/GeneralExplanation/Explanation6A compensation consultant defines the salary range for the CEO using national data for similar positions at credit unions and banks. An independent salary committee reviews and approves any salary changes for the CEO and then provides its recommendation to the full Board of Directors. The Board of Directors has the final voting approval of the CEO's compensation. Both the committee and the Board of Directors document any actions taken. The CEO, using the same consultant and comparative salary data, sets the compensation of the other employees of the Organization.
IRS990ScheduleO/GeneralExplanation/Explanation7The Organization's governing documents are available to the public upon request. The conflict of interest policy is not available to the public. The Organization has made its financial statements available to the public by posting a copy in the branch lobby each month.
IRS990ScheduleO/GeneralExplanation/Explanation8Net unrealized gains on investments: 4,952. Equity Acquired in Merger 1,071,990. Total to Form 990, Part XI, Line 5: 1,076,942.
IRS990ScheduleO/GeneralExplanation/Explanation9The Organization's process for oversight of the audit had not changed from prior years.
IRS990ScheduleO/GeneralExplanation/Explanation10The Credit Union prepared financial statements for the 18 month period ended December 31, 2011. These financial statements were audited by an independent certified public accounting firm.
IRS990ScheduleO/GeneralExplanation/Identifier0New Program Services
IRS990ScheduleO/GeneralExplanation/Identifier1Changes in Net Assets or Fund Balances:
IRS990ScheduleO/GeneralExplanation/Identifier2Oversight of Audit
IRS990ScheduleO/GeneralExplanation/Identifier3Audited Financial Statements
IRS990ScheduleO/GeneralExplanation/ReturnReference0Form 990, Part III, line 2
IRS990ScheduleO/GeneralExplanation/ReturnReference1Form 990, Part VI, Section A, line 6
IRS990ScheduleO/GeneralExplanation/ReturnReference2Form 990, Part VI, Section A, line 7a
IRS990ScheduleO/GeneralExplanation/ReturnReference3Form 990, Part VI, Section A, line 7b
IRS990ScheduleO/GeneralExplanation/ReturnReference4Form 990, Part VI, Section B, line 11
IRS990ScheduleO/GeneralExplanation/ReturnReference5Form 990, Part VI, Section B, line 12c
IRS990ScheduleO/GeneralExplanation/ReturnReference6Form 990, Part VI, Section B, line 15
IRS990ScheduleO/GeneralExplanation/ReturnReference7Form 990, Part VI, Section C, line 19
IRS990ScheduleO/GeneralExplanation/ReturnReference8Form 990, Part XI, line 5:
IRS990ScheduleO/GeneralExplanation/ReturnReference9Form 990, Part XI, Line 2c:
IRS990ScheduleO/GeneralExplanation/ReturnReference10Form 990, Part IV, Line 12a:
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IRS990/TotalFunctionalExpenses/Total05534974
IRS990/TotalFundrsngExpCurrentYear00
IRS990/TotalGrossUBI00
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IRS990/TotalLiabilitiesBOY066051415
IRS990/TotalLiabilities/EOY083971769
IRS990/TotalLiabilitiesEOY083971769
IRS990/TotalLiabNetAssetsFundBalances/BOY088212585
IRS990/TotalLiabNetAssetsFundBalances/EOY0106810764
IRS990/TotalNbrEmployees063

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